GPIA-DIV 2035

Wacinque A.K. BeMende is Founder of KaizenRhino Solutions International. 
My primary career is nursing and I'm honored to help the physically ill and hurt.  My volunteer passion is to work with the fiscally ill so I volunteered with programs serving unbanked and low income families with tax preparation, financial coaching and debt reduction.  My direct, global exposure to poverty lead to my entrepreneurship passion and to design the Global Permanent Investment Account. I studied Banking and Finance and received my BS degree in Human Services at Upper Iowa University.  My Master's concentration was Adult Education and I was an adjunct instructor of personal finance for Central Texas Community College. My newest focus is to lead an International campaign to establish an International Asset Ownership standard using the scientific notational numbers and Bloomberg wealth number model.  The goal is to reduce to Zero being unbanked.GPIA 2035

GPIA-DIV seeks to solve the problem of multigenerational poverty with a multigenerational solution design.  GPIA-DIV is a lifecycle design (Prenatal-15-30-30-30-Bequeath) This effort is a collaboration with direct service providers, philanthropic asset building supports and policy makers.  By creating a design that starts prenatal to make maximum use of compounding and uses reinvestment the first 15 years 9 months cost less to elevate individuals and contributes to Maslow's basic human needs helped by financial resources.  Each account is individually owned and self directed thus promoting decision making and preparation for the future plus personal finanacial management education.  Helpful direct education through expereince is what has been missing.

KaizenRhino Solutions International believes and covid-19 has shown the devastating impact of so many individuals not having savings and especially the recommended 3 to 6 months foundation.UN data indicates over 2 billion individuals live with extreme poverty and billions more have inadequate living wages. KRSI believes that not not making maximum use of compounding plus not applying a free market designed income paying account as a fundamental model contributes to the persistence of this challenge.  KRSI believes evidence will quickly demonstrate that having a widespread sustainable financial foundation will grow and expand the resources available to combat this challenge but provide enough extra resources to allow the development of good paying jobs and promote inclusive entrepreneurship.

Talent is global... inefficient resource use has distorted what is possible in far to many communities.  The means from individuals-organizations-institutions and certain government agencies exists today to help start a foundation that will lead to an explosion of creativity possible when individuals have more than the bare necessities.

A widespread financial foundation is critical and with AI plus
Blockchain enhanced technology accessible online and mobile will be
greater when 5G and WiFi 6 capabilities become the global norm.

KRSI proposes an International asset ownership standard using the scientific notation number system and Bloomberg wealth model where 10-3.5 or $5000.00 per person for 2nd and 3rd economic level nations and 10-4.5 or $50,000.00 per person in 1st economic level nations.  GPIA-DIV is a basket that holds any number of dividend paying stocks owned and self directed by each individual.  GPIA-DIV is also LifeCycle (Prenatal-15-30-30-30 Bequeath) managed with certain deposit only periods of reinvestment growth.  GPIA-DIV provides broad based free market driven supplemental income. 

These accounts are held in highly secure Transfer Agent company platforms accessible online and mobile and with coming 5G plus WiFi 6 more areas of the world will have direct access to these efficiency promotion resources.

Technology will allow the creation of these accounts today even before it reaches all communities this will allow the  owner to know that their account is growing today and their children and other family members accounts also.

Global policies can be established that ensure these accounts are
permanently vested with the individuals and are globally portable.
Because the principle is growing permanently and is bequeath the account
compounds continuously the owner learns to manage long term.

Individuals with the greatest needs is the initial focus.  This approach is not an end game design as the owners through their statements with the proper trust and earned reliability will be motivated by what the future projection is demonstrating.  The extended community also sees the benefit as truly when one gains they all gain plus the model is for every individual to have their own vested account built though the free market.  Because of online and mobile access the free market is within reach of every individual and with the ability to create proxy accounts the impact is unlimited.

The design uses FA Hayek spontaneous order effect where each individual makes their owns decision and receives original data to inform them directly.  In the initial learning phase a model of choices with help with early learning how to.

GPIA-DIV provides direct resources and equally inspires and motivates
in unlimited ways that will have unlimited future application.

Maslow's Hierarchy of needs tells us that everybody needs to have basic

needs satisfied before the individual can move on.  To be high
performing in a good paying job or to aspire to be an entrepreneur and
be creative the individuals and even the community must have resources
and these include financial resources to make this happen.  Our target
populations is no different. GPIA-DIV is a foundation, a starting point
for everyone, to enable them to focus and concentrate in a good paying
job or have the emotional, intellectual energy, be creative + apply that
drive as an entrepreneur.

My immediate family lived in the deep South from the late 1800's to when I was born.  Poverty controlled most decision so I became the first person in my family to graduate from High School.  I was fortunate to be a very curious youth and to have discovered the Carnegie Library in our neighborhood.  Before long I learned about the value of saving and it became my athletic passion because I had to chase opportunities to earn a little money.  I became involved in volunteer financial literacy education all the while I learned about investing directly in the stock market. 

Overtime and reading people like John C Bogle I begin to see that the poor could use better products also.  Then soon I began to think why reinvent the wheel if owning dividend stocks does so well for the wealth then why not for those seeking a leg up in life.  With the creation of index instruments one does not have to be an expert to gain expert results.  As my knowledge grew I learned that with some modifications and beginning as early as possible financial transformation with less money was possible.

I discovered after learning how money and financial resources has made a difference in not only individual-family but nation development.  And to witness so many who have not been successful in this area of knowledge and management.  It became clear to me I could help which has set me on a journey to be in a position to make this difference I know can be made.  Especially on a large scale like with the UN SDG goals.

I have been directly involved in education and training helping individuals without prior knowledge gain the understanding and demonstrating the skills to perform required tasks. My primary career was Nursing then later Human Resource these fields prepared me to communicate and share empathy. KaizenRhino Solutions International and the design of the GPIA-DIV acount was developed during my nearly 40 years as a volunteer with organizations that served unbanked, under banked and lower income families. Including Taxes as I prepared and taught tax class I also managed several tax offices during Tax season resolving concerns that arose for other Tax preparers. On the formal education journey I studied Banking and Finance, completed an internship with IDS - Income Diversified Services now Ameriprise Financial Services. Later I launched an AL Williams enterprise now Primerica. Finally I became chairman of the board to establish a community development credit union before I decided to start my own enterprise KaizenRhino Solutions.

Plus I was building and managing my own personal portfolio plus I own a house that I rent and manage

I served 40 years in the US military and I've designed a tool that has been evaluated by economists at Los Alamos National Lab and based on data will financially impact more lives than current or past products.  Will in the end demonstrate that I persevere, turn obstacles into opportunities and have not stopped seeking to impact people lives when I have the knowledge and skills to do so.

When I served in the military I achieved middle Leader position in one service Marine Corps and Senior leader position in Air Force and Army all the while as a volunteer I was named Chairman of the Board to establish a community financial development institution: Credit Union which was successfully accomplished. Plus I've served on the boards of at least 10 diversified organization from Housing to Youth focused missions. I was also elected President of my college student government association.

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The Economic Security SEED project has a pilot of Universal Basic

Income, former presidential candidate ran on a platform called Freedom
Dividend a form of UBI.  UBI is said to come from  description in Utopia
written in the 1500's.  That means this idea is 500 years old and is
still being piloted. IDA a modified savings account was used from 90's
to early 2000's  by at first thousands then slowly less and less
organizations then unfunded.  Payday Loans and Title Loans modified
small loans used by thousands of commercial sites charging usury rates
often by the hundreds of % percent. KRSI GPIA-DIV is an innovative
modification of owning dividend paying stocks to provide free market
based supplemental income for economic security( innovation ) and no
organization in history anywhere in the world has used this approach to
help unbanked and underbanked gain financial inclusion (innovation) . 
The innovation includes creating the account prenatal to make maximum
use of compounding time... never before used the account principle is
permanent and can be increased with no ceiling plus is bequeath...design
features never before used...more innovation!  Credit Suisse Bank
conducted a hundred year study from 1900 to 2000 to learn which
financial products performed the best and released the results in a book
"Triumph of the Optimists" .  Dividend paying stocks topped the list by
far. This performance data is the motivation for my creating GPIA-DIV.

KaizenRhino Solutions is reducing to Zero individuals unbanked and
underbanked to end multigenerational  poverty with our GPIA-DIV account
MVP.  1 is the fact the account is created Prenatal or today so the
first transformational fact is you own an account when you own you are
more motivated to learn what you need to know 2. the account is designed
to maximize use of time compounding which means you get more return at
less cost, when you own you are more likely to take positive action that
saves you money. 3 the account principle is permanent and has no
ceiling so as you grow the principle you grow your income which benefits
you your family and community.  This direct wealth building that you
experience is also transformational.  Direct ownership has been a
missing link coupled with the lifecycle design of the account
15-30-30-30 management years will contribute to long term behavior
change.  Because the account  is bequeath this sets up the heritage
habit and family tradition opportunity which reinforces behavior because
it is meaningful to the family.

In our development phase we have helped 150 individuals create an
account. The power of word of mouth with right SEO messaging and
influencers since we are an innovation make the potential numbers a wide
range in the next year because the account is built online at an
existing platform education and about 100.00 is the only short term
barrier. In one year 100,000 new accounts and in 5 years 100 million
accounts. Each person with an account may benefit directly up to 5
people and indirectly  10 to 100 based on density with a whole community.

Covid-19 has exposed the impact of not having savings.  Poverty is known
to impact health.  I believe the perfect storm has occurred for a
national and international goal to establish a stand for asset
ownership.  Just like to goals for electrification or to end polio or
small pox. With GPIA 2035 our International goal which includes the
national is to establish an asset ownership standard using the
scientific notational number system and the Bloomberg wealth number
model.  10-3.5 or $5000.00 per person for 2nd and 3rd economic level
nations and 10-4.5 or $ 50,000.00 per person for 1st economic level
nations.  This goal is aspirational and requires Philanthropic partners
plus legislative chnge to secure the design.  The sub international goal
foundation is reduce to Zero individuals who are unbanked.  This is
done as a foundation when an amount above the fee level is made
permanent by law.  Say $500.00 per person then every person will have an
account available for direct deposit and think of the money saved by
this one standard.  Add 4500 in a utility dividend stock and now this
person has free market based supplemental income plus the community has a
stock that is broadly supported long term.  Imagine the broad based
impact of that with a million accounts.  And because this base amount is
permanent and long term it is a one time expenditure that is still in
the market producing.

Creating the first partnership to launch at  scale of 10,000 or 100,000 individuals.

Alongside this is the legislative changes to put in place the permanent rule the benefit is the money remains in the market to produce an income.

Covid-19 makes it understandable this is a 2nd chance philanthropic support recognizing that Ok people did not save before but this model is long term supportive and creates long term supplemental income a very good reason to explore this solution.

The clear lesson is in this model the dividend earned is the gift the initial principle although a gift sets a permanent foundation by law at above the fee level.

When the short time demonstration is in place over the next year. 
The powerful benefit of this spread over the next five years becomes
super evident.

I believe a scalable demonstration at maybe as low as 5000 individuals will eliminate many hurdles as the infrastructure is primarily in place it was this type of vision that was missing.

The minor legal changes are not a major hurdle because the accounts are not support by Taxes or Debt.  The platform is already scalable...new accounts are created online or mobile by the new account holder.

The initial ask with Elevate Prize Community is Marketing, Legal and Policy connections.

KaizenRhino is at a stage where the partnership is not established but our partners will be individuals-organizations-institutions and certain government agencies that support asset building/free market supplemental income for unbanked and underbanked individuals.

Policy makers and politicians who support legislation that secures certain protections for GPIA-DIV model.

In the past to current all poverty programs required continuous support none of their models became self sufficient so all partners became fatigued.

Our model is an innovative shift our accounts have a permanent foundation at above feel level where they begin to produce an account sustainable income which has no ceiling and in time this account will produce a livable income all the while the funders funding has made a permanent difference.

This innovative design is significant. Philanthropic asset building supports are the primary customers.  Policy makers and politicians whose minor changes end increasing support to establish a permanent foundation with legal protections not a constant financial drain, can now turn to other challenges

The end users get the direct education and experience to move beyond a foundation to rise to more complicated challenges.  Primarily via education and initial one time financial bump.

Transfer Agent customers gain new customers who because they own assets beyond the fee level are an asset not a liability. And because the principle in each account has no ceiling the future is unlimited.

KRSI income will be 1.00 per new account and 1.00 per year per each
account.  Our goal is 8 billion accounts.  Word of mouth and SEO will be
the primary account growth drivers.  Other income consulting,
training Primary materials news letter subscriptions and swag sales.

Primary revenue license fees from Transfer Agents for each account created and annual maintenance fee. Goal 8 billion accounts.

I have not pursued fund raising have been bootstrapped.  Not revenue generating.

I do not plan to seek funds.

50,000 to 100,000